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Unemployed

Did you recently resign from or lose your job? One option is to continue your coverage through your employer for a period of time. Contact your employer’s Human Resources department to learn about your health insurance options, including COBRA health insurance.

COBRA Health Insurance

Did you recently resign from or lose your job? One option is to continue your coverage through your employer for a period of time. Contact your employer’s Human Resources department to learn about your health coverage options, including COBRA.

COBRA health coverage is made available through state and federal laws that protect you from losing your employment-based health coverage if you lose your job, although you are not protected from high premium costs.

Other options to consider if you lose your job include buying your own individual insurance plan – either through the federally-facilitated marketplace (FFM) or in the private market – or getting government insurance. You may be eligible for subsidies if you purchase through the FFM (government insurance is already subsidized).

The Two Types of COBRA Explained

Federal COBRA protects you, your spouse and dependents from losing your health insurance when you are no longer employed by a company with more than 20 employees. It also provides for continuation of coverage when other significant life events occur, such as a reduction in hours, divorce or legal separation, your death, or eligibility for Medicare.

  • You can continue to be insured with your employer group plan for a certain time frame, generally 18 months.
  • Your benefits stay the same without any break in your coverage.
  • Your cost is much higher because your employer is no longer paying anything for the insurance - you are paying for all of it.

Pennsylvania’s Mini-COBRA law works like federal COBRA, but applies to Pennsylvania companies with 2-19 employees. You must contact your employer to receive instructions for enrolling in Mini-COBRA.

  • The benefits will continue for a set time frame, which is nine months.
  • Your benefits would stay the same without any break in your insurance.
  • Your cost is much higher because your employer is no longer paying anything for the insurance - you are paying for all of it.

 

 

PAGE LAST UPDATED » 5/2/2014